I'm mainly researching Perfect Money lately and it seems that when I need to deposit money it's relatively cheap if done through a bank transfer, resulting only in 0.5% which is great.

But when withdrawing, I see there is a 3.25% from Perfect Money and another $/€ 0.99 to withdraw it using its provided MasterCard..Payza on the other hand charges a €2.50 EUR fixed amount for a bank transfer withdrawal, or $8 for credit card withdrawal..

For depositing definitely yes. For withdrawing, the fees aren't always static. Sometimes they lower or increase the prices. I've never seen perfect money that high. When I first started using it, it was 0.75%.

But since it's easy and cheap to convert PM -> Bitcoin, you can use Bitstamp to withdraw Bitcoins through bank transfer.

Now it's possible to fund ADVCash with Payza, and the fee is 3.45% + €0.30.This is actually attractive and might be more competitive than withdrawing/depositing using SEPA transfers.Too bad so far it's only available in limited countries. I hope it will expand to others soon.